International Bank of Commerce: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks International Bank of Commerce of Oklahoma City, OK against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.38% | 1.46% | -0.08% | 58th above |
| ROAE | 9.21% | 12.72% | -3.51% | 27th below |
| Net Interest Margin | 3.68% | 3.85% | -0.17% | 48th below |
| Efficiency Ratio | 55.49% | 57.41% | -1.92% | 60th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.80% | 1.88% | -0.08% | 57th above |
| Yield on Earning Assets | 5.00% | 5.72% | -0.72% | 20th bottom |
| Cost of Funds | 1.04% | 2.02% | -0.98% | 93rd top |
| Net Interest Spread | 3.06% | 3.18% | -0.12% | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.66% | 1.00% | -0.34% | 48th below |
| NPA / Total Assets | 0.29% | 0.76% | -0.47% | 66th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.43% | -0.36% | 35th below |
| ACL / Total Loans | 1.73% | 1.31% | +0.42% | 92nd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 263.05% | 543.53% | -280.48% | 65th above |
| Texas Ratio | 2.17% | 7.39% | -5.22% | 75th top |
| Provision / NCO | 128.62% | 618.97% | -490.35% | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 21.92% | 17.33% | +4.59% | 93rd top |
| Tier 1 Ratio | 21.92% | 17.36% | +4.56% | 93rd top |
| Total Capital Ratio | 22.91% | 18.42% | +4.49% | 93rd top |
| Leverage Ratio | 15.53% | 11.43% | +4.10% | 94th top |
| Equity / Assets | 15.55% | 11.33% | +4.22% | 95th top |
| TCE / Tangible Assets | 13.44% | 10.50% | +2.94% | 90th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 55.77% | 86.97% | -31.20% | 95th top |
| Core Deposit Ratio | 96.67% | 85.55% | +11.12% | 92nd top |
| Uninsured Deposit Ratio | 24.23% | 33.13% | -8.90% | 73rd above |
| Wholesale Funding Ratio | 11.65% | 5.70% | +5.95% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.51% | 9.69% | -11.20% | 10th bottom |
| Loan Growth (Y/Y) | -3.08% | 8.06% | -11.14% | 8th bottom |
| Deposit Growth (Y/Y) | 1.47% | 7.87% | -6.40% | 26th below |
See International Bank of Commerce's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock International Bank of Commerce, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full International Bank of Commerce profile, how to read a UBPR, or how this data updates.